Business Checking

No matter what your checking needs – low volume, high volume, large balance, small balance, a combination of everything – we have the perfect plan. Just tell us what you need and we'll tailor a great solution.

FREE BUSINESS CHECKING

The ideal low-volume, no-cost, no-minimum balance option*

• No minimum balance to open
• No monthly minimum balance
• No monthly fees
• Overdraft protection
• No earnings credit
• No interest
• Monthly statements
• Up to 200 transactions without a transaction fee*
• 24-hour banking by phone
• Online banking
• Visa Business Check Card, ATM, or Business Debit Card

*201+ transactions in a statement period, account will be automatically converted to Small Business Checking. If/when this occurs the small business checking account fees and requirements will go into effect.

SMALL BUSINESS CHECKING ACCOUNT

A good choice for businesses that need the flexibility for higher checking volume at times

• $2,000 minimum balance to open
• $2,000 monthly minimum balance to avoid maintenance fees
• $15 per month maintenance fee if below minimum balance
• Overdraft protection
• No earnings credit
• No interest
• Unlimited check writing
• Monthly statements and imaged checks
• Up to 200 transactions without a transaction fee*
• 24-hour banking by phone
• Online banking
• Visa Business Check Card, ATM, or Business Debit Card

*201+ transactions in a statement period will automatically be charged 40 cents per transaction.

SMALL BUSINESS INTEREST-BEARING CHECKING ACCOUNT*

Qualified businesses can get all the benefits of a checking account while generating interest on their balances.

• $4,000 minimum balance to open
• $4,000 monthly minimum balance to avoid maintenance fees
• $15 per month maintenance fee if below minimum balance
• Overdraft protection
• No earnings credit
• Interest earning
• Unlimited check writing
• Monthly statements and imaged checks
• Up to 200 transactions without a transaction fee**
• 24-hour banking by phone
• Online banking
• Visa Business Check Card, ATM, or Business Debit Card

*Small Business Checking accounts with interest can only be sole proprietors, non-profit organizations or government agencies.
**201+ transactions in a statement period will automatically be charged 40 cents per transaction.

COMMERCIAL CHECKING ACCOUNT*

Great for businesses with normal or high volume monthly transactions

• No minimum balance to open
• No monthly minimum balance to avoid maintenance fees
• Reduce or eliminate account activity charges.
• Overdraft protection
• Earnings credit each month applied to average collected balance
• No interest
• Unlimited check writing
• Monthly statements and imaged checks
• Transaction fees based on earnings credit calculations
• 24-hour banking by phone
• Online banking
• Visa Business Check Card, ATM, or Business Debit Card

*Small Business Checking accounts with interest can only be sole proprietors, non-profit organizations or government agencies.

Talk to a Polk County Bank Business Banking Advisor to learn what checking program may be best for your business.